Equitas Selfe Credit Card
Updated 5 Jul 2026Source-linked
The Equitas Selfe Credit Card is a mid credit card from Equitas Small Finance Bank, with a joining fee of ₹1,000 + GST.
It earns up to 10 pts per ₹100 (≈5.0% value) on choose 2 of 5 categories spends in the form of reward points (points).
Cardholders get 1 quarterly domestic airport lounge access.
Equitas
Equitas Selfe Credit Card
- Joining FeeFree
- Annual Fee₹1,000
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- 10 pts per ₹100 on choose 2 of 5 categories
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Equitas Small Finance Bankplatinummid
platinummidRewards and Benefits
Rewards Rate
10 pts per ₹100 on choose 2 of 5 categories
Base 1.00% on other spends.
Reward Redemption
Equitas Xchange Rewards: 1 RP = Rs 0.50; redeemable on the Equitas rewards catalogue.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- OTT / Prime memberships — 2 complimentary memberships from Amazon Prime, JioHotstar, SonyLIV, Zee5 or Discovery+ (cardholder's choice).
Fees & Charges
Spend-Based Waiver
₹2,40,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
—
Interest Rates
N/A
Fuel Surcharge Waiver
N/A
Cash Advance Charges
N/A
Product Details
- mid card issued by Equitas Small Finance Bank.
- Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹2,40,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (1/quarterly).
Pros & Cons
Pros
- Annual fee waivable on ₹2,40,000 spend.
- Complimentary domestic airport lounge access (1/quarterly).
- Accelerated earn worth ≈5.0% on choose 2 of 5 categories.
Cons
- No rewards on fuel spends.
Accelerated rewards
- 10 pts per ₹100 on choose 2 of 5 categories5X reward points (10 RP per Rs 100) on 2 self-selected categories from Apparel (online), Dining, Grocery, Utility and Taxi (travel). Only the two chosen categories qualify.
Capping rules
- 5X applies to only 2 of the 5 eligible categories, chosen by the cardholder; the other three earn the base 2 RP/Rs 100.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
1 visit(s) / quarterly. Via visa.
Other benefits
- OTT / Prime memberships. 2 complimentary memberships from Amazon Prime, JioHotstar, SonyLIV, Zee5 or Discovery+ (cardholder's choice).
Sources
- : equitas.bank.in · retrieved 5 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹4,00,000 p.a.
- Income (self-employed)
- ₹5,00,000 p.a.
Eligibility income/age are tier-standard defaults, not published on the product page.